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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
North Las Vegas drivers pay an average of $216 per month for liability-only car insurance and $356 per month for full coverage, according to our data. But several insurers — including COUNTRY Financial and others — offer rates that are much cheaper than these averages.
Nevada state law requires drivers to have liability insurance with limits of at least 25/50/20 to legally drive in the state. COUNTRY Financial currently offers the best price on these state-minimum policies, at just $44 per month.
Let’s explore North Las Vegas’s cheapest auto insurance options and tips for saving.
North Las Vegas’ average auto insurance rate is $286 per month.
COUNTRY Financial is the cheapest insurer in North Las Vegas, with an overall average rate of $57 per month.
Nevada authorities will suspend your registration if they catch you driving without auto coverage.
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Car insurance rates can vary drastically depending on the type of policy you buy. Liability policies at your state’s minimum limits will be the cheapest policies you can get, while full coverage — which includes comprehensive and collision insurance — typically costs a bit more.
The table below shows what North Las Vegans can expect to pay for liability and full-coverage policies, as well as how these rates compare to Nevada and the U.S. as a whole.
Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| North Las Vegas | $216 | $356 | $286 |
| Nevada | $187 | $308 | $248 |
| National average | $106 | $210 | $158 |
While the average driver in North Las Vegas pays $286 per month for car insurance, those average rates change quite a bit depending on what coverage you buy. We found that the average liability policy costs around $216 per month in North Las Vegas, while full coverage runs around $356.
But you should only consider these averages at the surface level. Your personal rate will depend on your unique driver profile, including your age, driving history, ZIP code, choice of vehicle, credit history, and more.
Compare personalized quotes from the city's best insurers
An average rate is just a rough guide — you can still save money by shopping around and comparing quotes to find the cheapest local rate.
Several insurers in North Las Vegas offer average rates well below the citywide average. The table below highlights the five cheapest car insurance companies in North Las Vegas, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| COUNTRY Financial | $57 |
| State Farm | $84 |
| GEICO | $100 |
| USAA | $116 |
| Allstate | $149 |
On Insurify's secure site
We found that COUNTRY Financial offers the lowest average car insurance rate in North Las Vegas, with an average of $57 per month.
The best insurance company for you depends on your specific driving profile. In the next section, we’ll take a look at the best options for different demographics.
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While no one insurance company will be the best option for everyone, some insurers consistently offer lower prices, better discounts, and higher customer satisfaction ratings.
The best insurer for you depends on your specific needs and financial situation. Let’s dive in and explore the best insurance options in North Las Vegas for different types of drivers.
Average premium: $57 per month
Compare.com Rating: 4.75 out of 5
Among the lowest average rates in the city
Many available discounts
High customer satisfaction scores
Gap insurance not available
Can’t purchase a policy online
Mixed reviews for mobile app
COUNTRY Financial offers some of the cheapest car insurance policies of any insurer in North Las Vegas, according to our research. The highly rated insurer also offers plenty of car insurance discounts, including savings for safe drivers, good students, and drivers who bundle auto insurance with homeowners insurance.
That said, you should note that you can only purchase a COUNTRY Financial policy by working with local insurance agents. Fortunately, COUNTRY Financial has dozens of licensed insurance agents in the Las Vegas Valley.
Average premium: $84 per month
Compare.com Rating: 4.90 out of 5
Telematics program for young drivers
Above-average J.D. Power score
Discounts for young drivers
Many customer complaints
Gap insurance not available
Cheaper options may be available
Young drivers tend to pay higher rates for car insurance than any other age group. Fortunately, State Farm can help these drivers save. The insurer offers discounts for students who maintain a high GPA, take a driver training course, or want to remain insured while away at school. Meanwhile, young drivers can save when they enroll in Steer Clear, State Farm’s telematics-based safe driving program for young drivers.
State Farm also offers some of the lowest rates in North Las Vegas for all drivers, as well as favorable reviews, high customer satisfaction, and high claims satisfaction.
Average premium: $100 per month
Compare.com Rating: 4.65 out of 5
Affordable rates
Highly rated mobile app
Many personalized coverage options
Many customer complaints
Below-average J.D. Power score
Gap insurance not available
If you’re a safe driver looking to save, GEICO’s DriveEasy telematics program could be a good option. DriveEasy tracks your speed, breaking, and phone use to calculate a driving score. Higher scores mean better savings. Plus, GEICO’s program protects your privacy and won’t share your driving data with third parties.
Besides telematics, GEICO offers plenty of useful optional insurance products, such as roadside assistance, rental reimbursement, and mechanical breakdown insurance.
Compare quotes and find the best company for your unique needs
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As we covered above, your coverage level has a substantial effect on your car insurance rates. Purchasing more robust insurance will come with higher rates, and vice versa.
Liability insurance at the state-minimum limits is the cheapest policy you can find. This policy type covers other drivers’ medical bills and vehicle repairs if you cause an accident — but damage to your vehicle isn’t covered. For some drivers, this trade-off may be worth it.
Here are the five cheapest liability-only insurance policies in North Las Vegas, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| COUNTRY Financial | $44 |
| State Farm | $65 |
| GEICO | $77 |
| USAA | $90 |
| Allstate | $115 |
COUNTRY Financial offers the cheapest prices for drivers seeking affordable liability-only insurance, with an average rate of $44 per month.
But if you want more robust coverage, take a look at the cheapest full-coverage insurance options in the section below.
Full-coverage car insurance includes liability insurance as well as collision coverage and comprehensive coverage. This type of policy covers repairs to your own vehicle, as well as the other vehicle and its passengers, after an accident. Full coverage is more expensive than liability-only policies, but it’s usually a good option for drivers of newer or more expensive cars.
If you’re looking for full coverage, you might want to consider the following affordable options in North Las Vegas. The table below shows the five cheapest insurers in the city for full coverage, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| COUNTRY Financial | $70 |
| State Farm | $103 |
| GEICO | $122 |
| USAA | $143 |
| Allstate | $183 |
COUNTRY Financial is the cheapest option for North Las Vegas drivers looking for full coverage, offering an average rate of $70 per month.
Now, let’s check out how your age affects your rates in North Las Vegas.
Your age is one of the most important factors when it comes to car insurance rates. Generally, teen drivers pay the highest rates, then rates tend to come down for older age groups.
The table below outlines the citywide average monthly premium by age group, as well as the cheapest car insurance option for each, according to Compare.com data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $370 | COUNTRY Financial | $128 |
| 20s | $269 | COUNTRY Financial | $111 |
| 30s | $215 | COUNTRY Financial | $89 |
| 40s | $199 | COUNTRY Financial | $85 |
| 50s | $174 | COUNTRY Financial | $77 |
| 60s | $157 | COUNTRY Financial | $71 |
| 70s | $176 | COUNTRY Financial | $70 |
Teen drivers are the most expensive group to insure due to their higher rate of serious crashes. This makes teens riskier to insure, so insurers control for this risk by offering higher rates.
Our research found that teens in North Las Vegas pay an average of $370 per month for car insurance. But COUNTRY Financial is the best car insurance for teens looking to save, with an average monthly rate of just $128.
Senior drivers have more experience on the roads, which makes them less likely to get in a crash. Plus, many seniors aren’t commuting daily, which lowers the risk of an accident.
North Las Vegas drivers in their 60s pay an average of $157 per month for car insurance, but many insurers offer much cheaper rates. COUNTRY Financial is the cheapest option for drivers in their 60s, with an average monthly rate of $71.
Compare personalized quotes from North Las Vegas' best insurers
Your driving record is one of the most important factors affecting your monthly car insurance premium. Drivers who avoid at-fault accidents and speeding tickets pay cheaper rates on average because insurers see them as less risky to insure.
The following table lays out the citywide average premiums for drivers with clean records, speeding tickets, at-fault accidents, or DUIs, according to Compare.com data. It also shows the cheapest insurer for these different driving records, along with its corresponding average monthly premium.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $216 | COUNTRY Financial | $93 |
| Speeding ticket | $281 | COUNTRY Financial | $117 |
| At-fault accident | $288 | COUNTRY Financial | $123 |
| DUI | $332 | COUNTRY Financial | $143 |
Traffic violations can have a big effect on your rates. Let’s see the cheapest car insurance option for drivers with a speeding ticket on their record.
Speeding increases your chances of getting in an accident — so if you get a speeding ticket, you can expect your rates to go up. In fact, national average rates increase by 27% after just one speeding ticket, according to Compare.com data.
On average, drivers in North Las Vegas pay $281 per month for car insurance after getting one speeding ticket. The cheapest car insurance company in the city for drivers with a ticket is COUNTRY Financial, with an average rate of $117 per month.
Having an at-fault accident on your record leads to higher car insurance rates because it indicates to insurance companies that you’re likely to have another. After an accident, rates increase by an average of 34%, according to Compare.com data.
Drivers in North Las Vegas with an at-fault accident on their record pay $288 per month for car insurance, on average. But they can save when they choose COUNTRY Financial, which has the cheapest average rate in the city, at $123 per month.
Getting a DUI on your record leads to the steepest rate increase of any traffic violation, with rates going up by 50% on average, according to Compare.com data.
Drivers in North Las Vegas with a DUI pay an average car insurance rate of $332 per month — much more than the citywide average of $286. But you can still find savings with the right insurer. The cheapest auto insurance company in North Las Vegas for people with a DUI is COUNTRY Financial, which has an average rate of just $143 per month.
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Nevada requires drivers to maintain car insurance at certain state-mandated minimums. Drivers throughout the state must purchase at least:
$25,000 in bodily injury liability insurance per person
$50,000 in bodily injury liability insurance per accident
$20,000 in property damage liability insurance per accident
Driving in Nevada without insurance or with coverage levels below these minimums can lead to the suspension of your registration. Reinstating your registration comes with a $250 fee.
The Nevada DMV site has more information about insurance requirements in the state.
North Las Vegas drivers pay more for auto coverage than most drivers — but the following strategies can help you save:
Take advantage of discounts. Most insurance companies offer discounts for drivers who enroll in driver safety courses, bundle home and auto insurance, pay their insurance bills online, and more.
Practice safe driving. Avoiding accidents and speeding tickets can lead to lower rates now and in the future.
Choose a safe vehicle. Picking a year, make, and model with advanced safety features and a strong safety record is a great way to save.
Raise your deductible. Choosing a higher deductible can come with lower monthly rates — though you’re on the hook for higher out-of-pocket costs after an accident.
Shop around and compare. Receiving quotes from at least five different car insurance companies can help you find cheap car insurance.
Compare personalized quotes and save in minutes
Let’s take a look at answers to some commonly asked questions about car insurance in North Las Vegas.
COUNTRY Financial is the most affordable option in North Las Vegas, with an average cost of $57 per month, according to Compare.com data.
North Las Vegas drivers pay an average of $286 per month for auto insurance, according to Compare.com data. That breaks down to $216 per month for liability-only policies and $356 for full coverage.
Nevada drivers must purchase at least $25,000/$50,000 in bodily injury liability insurance, as well as $20,000 in property damage liability insurance to legally drive in the state.
Driving without insurance is never a good idea. Drivers in Nevada risk a registration suspension if they drive without coverage. It will also cost you $250 to get your registration reinstated.
Data Methodology:
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers' vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources:
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed September 5, 2024.
J.D. Power, “2024 U.S. Auto Claims Satisfaction Survey,” accessed September 5, 2024.
Nevada Department of Motor Vehicles, “Insurance,” accessed September 5, 2024.
Insurance Information Institute, “What determines the price of an auto insurance policy?” accessed September 5, 2024.
Centers for Disease Control, “Teen Drivers,” accessed September 5, 2024.
Insurance Institute for Highway Safety, “Older drivers,” accessed September 5, 2024.
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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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